Hsbc Holdings Plc · LSE:HSBA

Hsbc — Investor Presentation (March 2016)

15 slides from Hsbc's investor presentation, March 2016

  1. Slide 1: UK Retail Banking and Wealth Management (RBWM) Investor Update

    March 2016 UK Retail Banking and Wealth Management (RBWM) Investor Update

  2. Slide 2: Important notice and forward-looking statements

    Important notice and forward-looking statements Important notice The information set out in this presentation and subsequent discussion does not constitute a public offer for the purposes of any applicable law or an offer to sell or solicitation of any offer to purchase any securities or other finan

  3. Slide 3: Business and Market Context

    Business and Market Context UK RBWM Business and Market Context – Multi-brand, multi-segment proposition, multi-channel distribution capability……Positioned for future growth, addressing changing customer preferences in a digital world – 13m active customers at 2015YE – Differentiated offering for Af

  4. Slide 4: Organised around customer needs and changing customer preferences

    Through our Brands and Propositions, we are organised around customer needs and positioned to address changing customer preferences UK RBWM Business and Market Context Who we are Three leading brands with differentiated propositions Customers and propositions Customers1 c13m c.9m customers1 – Suppor

  5. Slide 5: Revenue environment remains challenging, although returns are accretive to Group RoE

    Revenue environment remains challenging, although returns are accretive to Group RoE UK RBWM Financial Performance UK RBWM financial performance1  Growth in new business revenue 2015 (USDbn)  Margin compression on mortgages from re-emergence of highly competitive market pricing as customers refina

  6. Slide 6: Conduct risk is redefining how retail banks engage with customers

    Conduct risk is redefining how retail banks engage with and serve their customers. We have proactively repositioned the business for this… UK RBWM Conduct, Risk, Regulatory profile UK customer redress and CCA provisions at their lowest since 2010 Numerous actions to significantly reduce (USDm) condu

  7. Slide 7: … and we are maintaining our credit discipline

    … and we are maintaining our credit discipline UK RBWM Conduct, Risk, Regulatory profile PRA stress tests: Projected cumulative three-year PRA stress tests: Projected cumulative three-year impairment charge rates on UK individuals mortgage impairment charge rates on UK individuals non- lending in th

  8. Slide 8: Key strategic priorities

    Key strategic priorities UK RBWM Strategy Capital – Consistently strong returns, accretive to Group RoE accretive Sustainable – Significant contribution from affluent customers high quality – High quality asset book with low LICs (c.3bps) revenue – Repositioned the business for conduct risk – Divers

  9. Slide 9: Our growth priorities have not changed and we continue to optimise our portfolio of products

    Our growth priorities have not changed and we continue to optimise our portfolio of products UK RBWM Growth Priorities Strategic actions Targeted outcome 2014-17 Digital – Enhance digital platform and service capabilities within – Improve number of digitally RBWM including digitalisation of processe

  10. Slide 10: Digital Journey through 2015

    Digital Journey through 2015 UK RBWM Digital Jan Feb Mar Apr May June July Aug Sep Oct Nov Dec Touch ID Online Banking Lost Cards eCare LiveChat DCO Tablet: 6 minutes… Upgrade eCare Secure Live Connect Key MCAB: Come and see us Vizolution: ‘Let me Updating our people Yammer: Connecting do that for y

  11. Slide 11: Nudge Banking

    Nudge Banking UK RBWM Digital Nudge app launched December 18th with live nudges sent from January 7th to staff in various categories. – Calendar Alert – People like you – Spending Expert – Testing – Marketing – World class experience designed using customer centric design approach (100+ sketches, 10

  12. Slide 12: Voice ID first direct

    Voice ID UK RBWM Digital What is Voice ID? first direct Voice ID - Launch 14 March 2016 – first direct is migrating telephony verification from the current password and memorable data to a Voice Biometrics system – Voice ID isn’t voice recognition - In the same way that your fingerprint is unique to

  13. Slide 13: Our investment in a differentiated Wealth offering is driving increased activity

    Our investment in a differentiated Wealth offering is driving increased activity, with further opportunities for growth UK RBWM Wealth Management Strong customer satisfaction with improving sales momentum We have built a clearly differentiated Wealth offering Appointments Financial reviews  We oper

  14. Slide 14: We have the capacity to take more credit risk in RBWM

    We have the capacity to take more credit risk in RBWM and the business is showing signs of volume growth UK RBWM Relationship-led Personal Lending Personal lending balances and sales volume growth Actions to date +1%  Analytics capability improving the identification of customer needs  New trigger

  15. Slide 15: Conclusion

    Conclusion UK RBWM Business and Market Context – High quality customer base and revenue model – Delivering returns in excess of Group RoE – Tough market conditions – Low interest rate environment – Increased competition – Regulatory changes – Focus on “Controlling the controllables” – Significant fo

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